44 Cold Spring Dr, Stanford, KY 40484 Property Records

Lincoln County property record for 44 Cold Spring Dr, Stanford, KY 40484

Property Summary

Property Type	Single Family Home
Details	1,900 sqft
Lot Size	0.499 acres (21,738 sqft)
Owner	Individual Name on File
Last Sale	$76,500 (Mar 2005)
Tax Bill	$936 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2008 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`051-12-10-002.00`

Property Details

APN / Parcel Number

Primary APN	`051-12-10-002.00`
Alternative APN	`51A-009-01`

Interior

Stories	1 Story
Building Area	1,900 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,738 sqft (0.499 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	336 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	44 COLD SPRING DR
City	STANFORD
State	KY
Zip	40484-8490
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	H & L 1 & 2A UN 6 BL F
Legal Subdivision	DIX RIVER
Legal Block	F
Legal Lot Number	1-2A
Legal Unit	6
Jurisdiction	LINCOLN KY
Township / Civil Division	STANFORD
Census Block Group	2
Census Block	2002
Census Tract	920103

Owner

44 Cold Spring Dr is owned and occupied by an individual who bought it in March 2005.

Source: Lincoln County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK
Sep 25, 2008	Deed of Trust, Mortgage PBK BANK
Dec 14, 2007	Deed of Trust, Mortgage PBK BANK
Jun 4, 2007	Deed of Trust, Mortgage PBK BANK
Sep 23, 2015	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK
Mar 24, 2005	Commissioner's Deed, Foreclosure PBK BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2005 · Amount on File
Deed Sale	Mar 24, 2005 · Amount on File
Prior Sale	Jan 6, 2005 · Amount on File
Deed Document Number	2005157475
Deed Book / Page	352 / 255
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 COLD SPRING DR, STANFORD, KY 40484-8490

Mortgage

Document Number	000562/428
Date	Dec 17, 2025
Book Page	562/428
Instrument	2328080

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	STANFORD, KY 40484

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Nov 26, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG352/591
Date	Sep 25, 2008
Book Page	MTG 352/591
Instrument	216148

Lender

Name	PBK BANK
Address	STANFORD, KY 40484

Agreement

Amount	Amount on Record
Term	12 Months
Due	Sep 12, 2009

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG342/572
Date	Dec 14, 2007
Book Page	MTG 342/572
Instrument	215267

Lender

Name	PBK BANK
Address	STANFORD, KY 40484

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 12, 2027

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG326/615
Date	Jun 4, 2007
Book Page	MTG 326/615
Instrument	213907

Lender

Name	PBK BANK
Address	STANFORD, KY 40484

Agreement

Amount	Amount on Record
Term	54 Months
Due	Dec 28, 2011

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN KY
Property Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG428/698
Date	Sep 23, 2015
Book Page	MTG 428/698
Instrument	326923

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Address	STANFORD, KY 40484

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 26, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2005: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	LINCOLN KY
Recording Date	Mar 24, 2005
Property Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Document Number	DEED352/255
Book / Page	DEED352 / 255
Map Reference	SL A-458
Instrument Date	Mar 15, 2005
Instrument	157475
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 COLD SPRING DR, STANFORD, KY 40484-8490
Investor	Possibly a Property Investor

Mortgage

Document Number	0000211033
Date	Mar 24, 2005
Instrument	211033

Lender

Name	PBK BANK

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 17, 2015

Tax Assessment & Valuation

The 2025 property tax bill for 44 Cold Spring Dr was $936 with a homeowner's exemption, down 6.9% from the year before.

Source: Lincoln County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Lincoln County
Unified School District	Lincoln County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$936.00 (-6.87%) Homeowner's exemption	$144,400 Land $20,000 Building $124,400	$144,400 Land $20,000 Building $124,400
2024	$1,005.00
2023		$144,400 Land $20,000 Building $124,400	$144,400 Land $20,000 Building $124,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 44 Cold Spring Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 17, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 44 Cold Spring Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STANFORD WATER WORKS serves 9,284 people · EPA ID KY0690417
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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